S.D.M.
ActiveS.D.M. has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €10k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 44% of 2295 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▲+26
Solvency45▼-16
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.21 against 1.5 in 2024; short-term debt: 80.2% and cash: 14.3% of total assets), and 80.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 93
Relative position
BE, all sectors
reference
Sector 93
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
19.8%
Return on assets
17.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
29 d late
2024
7 d late
2023
5 d early
2022
on the day
2021
101 d late
2020
9 d late
2019
92 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Name match with a sanctions list
1 entryMURAD EN SONS DIAMONDSalias M.S.D.
A name match is not a finding that this company itself is on the list; check the entry at the source.
Financials · fiscal year 2025, micro schema
Equity
€12k▼ 44.8%
2024 · €22k
2018: €17k
2019: €24k
2020: €23k
2021: €24k
2022: €28k
2023: €33k
2024: €22k
2018 → 2025
Total assets
€60k▲ 0.2%
2024 · €60k
2018: €49k
2019: €73k
2020: €55k
2021: €54k
2022: €113k
2023: €108k
2024: €60k
2018 → 2025
Net result
€10k▲ 21.2%
2024 · €8k
2018: €2k
2019: €7k
2020: €-1k
2021: €1k
2022: €4k
2023: €15k
2024: €8k
2018 → 2025
Working capital
€10k▼ 47.5%
2024 · €19k
2018: €17k
2019: €24k
2020: €23k
2021: €24k
2022: €27k
2023: €32k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€28k▲ 15.6%€33k▲ 17.9%€22k▼ 34.7%€12k▼ 44.8%
Operating result€3k-€7k▲ 159%€30k▲ 325%€17k▼ 43.0%€15k▼ 13.9%
Net result€1k-€4k▲ 181%€15k▲ 298%€8k▼ 43.5%€10k▲ 21.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€2k▼ 22.9%
Current assets
€58k▲ 1.2%
Equity and liabilities €60k
Equity
€12k▼ 44.8%
Debt
€48k▲ 25.5%
The debt ratio rises from 64.0% to 80.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€15k▼
2024 · €18k
Cash flow
€11k▲
2024 · €9k
Solvency
19.8%▼
2024 · 36.0%
Current ratio
1.21▼
2024 · 1.50
Quick ratio
1.21▼
2024 · 1.50
Debt / equity
4.05▲
2024 · 1.78
ROE
86.4%▲
2024 · 39.3%
ROA
17.1%▲
2024 · 14.1%
Interest coverage
18.29▲
2024 · 3.26
Debt
€48k▲
2024 · €38k
Debt ≤ 1 year
€48k▲
2024 · €38k
Income taxes
€4k▲
2024 · €3k
Staff costs
€383▲
2024 · €324
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€60k€60k▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Furniture and vehicles24€587€227▼
Other tangible fixed assets26€2k€2k▼
Current assets29/58€58k€58k▲
Amounts receivable within one year40/41€52k€50k▼
Trade receivables40€5k€765▼
Other amounts receivable41€47k€49k▲
Cash at bank and in hand54/58€5k€9k▲
Equity and liabilities
Total equity and liabilities10/49€60k€60k▲
Equity10/15€22k€12k▼
Contributions10/11€6k€6k=
Reserves13€15k€6k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€14k€4k▼
Amounts payable17/49€38k€48k▲
Amounts payable within one year42/48€38k€48k▲
Financial debts43€10-
Credit institutions430/8€10-
Trade debts44€16k€26k▲
Suppliers440/4€16k€26k▲
Taxes, remuneration and social security45€23k€23k▲
Taxes450/3€23k€23k▲
Income statement
Code20242025
Non-recurring operating income76A€1k-
Goods, raw materials, services and sundry goods60/61€73k€70k▼
Remuneration, social security and pensions62€324€383▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€724€541▼
Other operating charges640/8€387€400▲
Non-recurring operating charges66A-€333
Gross operating margin9900€19k€17k▼
Operating profit (loss)9901€17k€15k▼
Financial charges65/66B€6k€846▼
Recurring financial charges65€6k€846▼
Profit (loss) for the period before taxes9903€12k€14k▲
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€8k€10k▲
Profit (loss) for the period to be appropriated9905€8k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€10k▲
Transfer from equity791/2€12k€20k▲
Transfer to equity691/2-€10k
To other reserves6921-€10k
Profit to be distributed694/7€20k€20k=
Return on contributions (dividend)694€20k€20k=
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €15k ▲298%
Operating result €30k, net result €15k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 101 days late
2021
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-12
Financial
Weakest financial yearnet €-1k ▼115%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
14-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 106 days late
28-02
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 212 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Chapelle-lez-Herlaimont · 1 establishment unit since 2004
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Trompette 287160 Chapelle-lez-HerlaimontGround area
1,049 m²
Building footprint
139 m²
Volume, LiDAR
874 m³
Parcel 52010A0056/00T000, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
S.D.M.
since 20042.137.062.131
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52010A0056/00T000 | Wallonia | 1,049 m² | 1 · 139 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 6,728 companies in sector 93299 we hold annual accounts for 1,168. 706 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded30-04-2004
Fiscal year end31-12
Activities, NACEBEL
93299Other amusement and recreation activities
92340
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.